Chronic obstructive lung disease includes chronic bronchitis, emphysema or both. The disease reduces the ability of the lungs to oxygenate the blood. It can be defined as the presence of cough with excessive mucus secretion by enlarged bronchial glands. This in turns causes frequent symptoms and over time results in structural damage to the bronchial tubes, causing irreversible narrowing of the airways.
Cigarette smoking is the main contributory factor to the development and progression of the disease. If smoking continues, the disease will proceed to a stage of irreversible damage.
| Classification: for illustrative purposes only | |
|---|---|
| Mild | Up to two attacks per annum usually in winter, with little or no breathlessness except on strenuous exertion. No clinical abnormalities between attacks except for smoker's cough. |
| Moderate | Recurrent exacerbations in summer and winter. Shortness of breath on moderate exertion. Symptoms are continuous. |
| Severe | Continual symptoms with prominent cough and wheeze. Shortness of breath on minimal activity. Substantial time off work. |
What information should my client provide?
Your customer should complete Bronchitis fast-track questionnaire .
Likely acceptance terms
| Life cover | Specified illness cover | |
| Mild, age <45 years | +150% | Cover will be declined |
| Mild, age >45 years | +100% | +100% |
Some terms may be available for life cover on select cases where the disease is classified as moderate.
Income protection
Terms may be available if the condition is reversible and life proposed is a non smoker for a minimum of two years; otherwise cover will be declined.
Hospital cash cover, accident cover, contribution cover
Cover will generally be declined.
Please note that likely acceptance terms are indicative only and cases are subject to full underwriting.
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